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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Rail Workers Are Protected From On-The-Job Injury

(Posted December 21, 2010)

Question 786: I'm a railroad engineer. I'm looking for disability insurance besides Railroad Retirement to cover lost time at work for medical problems or some kind of accident.

Answer: You may be aware that as a rail worker, you are covered by the Federal Employers Liability Act (FELA). In case of on-the-job injury, you can bring suit against the railroad to recover lost earnings. You can also receive compensation for "pain and suffering." If you are permanently disabled because of the injury, you can apply for a Disability Annuity from Railroad Retirement.

I do not have any expertise in private insurance policies providing benefits for accidental injuries at work. Therefore, I can not really be of any assistance in this matter.


Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.


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